Beagle Street Life Insurance Review 2025

Beagle Street is a UK specialist life insurance provider founded in 2012. The company provides insurance for over 200,000 people. It is owned by the BGL Group, and like other insurance providers under BGL, Beagle Street is backed by Scottish Friendly Assurance Society Limited.

Life Insurance Offered by Beagle Street

The company offers three main life insurance policies:

• Decreasing Term: With this policy, the payout amount decreases over the duration of the policy. This type of policy is commonly used to cover repayment mortgages or other debts that reduce over time.
• Level Term: With this policy, the payout remains a fixed sum throughout the policy term. It is useful for covering interest-only mortgages or for leaving an inheritance. Premiums remain constant throughout the coverage period.
• Critical Illness Cover: A payout is provided if you are diagnosed with a condition covered by Beagle Street. There are 26 illnesses covered. The company also offers the option to add Child Critical Illness Cover, which provides coverage for current or future children for the duration of your policy.

Features and Benefits of Beagle Street Life Insurance

Beagle Street offers a varied range of benefits and features that set it apart from other insurance companies. Here, we take a look at some of the key perks:

• Samaritans-trained Team: Making a life insurance claim can be a difficult time. To ensure you are treated with care and understanding, all professionals at Beagle Street are trained by the Samaritans charity in the UK.
• Fixed premiums for the duration of your policy (unless changes are made).
• Early Funeral Payment: Upon a valid claim, Beagle Street will quickly pay up to £5,000 to help cover funeral costs.
• Free Terminal Illness Cover: Life insurance policies include free early terminal illness cover. If diagnosed with a terminal illness and given less than 12 months to live, Beagle Street will make an early payment to alleviate financial stress during this challenging time.
• Free Counselling: To support loved ones, Beagle Street provides a free counselling service to help them through bereavement.
• Will Service: A free will writing service is available with your life insurance policy.
• Accidental Death Benefit (ADB): While your application is being processed, you can benefit from the free ADB service. Beagle Street may ask additional health and medical questions to activate this benefit.
• Gift Card: When you take out a new life insurance policy, you will be eligible to receive a gift card worth up to £100 to spend at various retailers.
• Maximum payout of up to £750,000.

Overview of Beagle Street Life Insurance Key Policy Details

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Can You Make Changes To Your Policy?

Once a policy has started, the coverage amount and policy length cannot be changed. To make changes, you can contact Beagle Street to cancel your existing policy and start a new one free of charge.

Can You Write Your Beagle Street Policy in Trust?

Beagle Street provides a free trust tool to quickly set up your life insurance in trust. This ensures a trustee manages the distribution of your payout to your chosen beneficiaries.

Is Beagle Street Life Insurance Right For You?

Beagle Street offers a strong value proposition for those seeking a specialist life insurance provider. While not always the cheapest, their expertise is focused solely on life insurance.

Another significant advantage of Beagle Street is the array of supplementary services available. Services like the free will writing service and trust tool can save time and money. The Accidental Death Benefit provides cover during the application process, potentially removing the need for short-term, expensive life insurance.

Finally, Beagle Street’s free counselling service and Samaritans-trained team ensure your family will receive compassionate support.

Defaqto Ratings for Beagle Street Life Insurance (2025)

Defaqto ratings are a trusted source of independent assessments for financial products. These ratings use a simple 1 to 5 star system to indicate the quality of insurance policies, with 5 stars representing the highest level of quality.

The latest Defaqto ratings for Beagle Street, current as of March 7, 2025, show a mixed performance:

• 5 out of 5 stars for Direct Life Assurance
• 4 out of 5 stars for Direct Critical Illness with Life Cover
• 3 out of 5 stars for Decreasing Life Assurance
• 3 out of 5 stars for Level Term Life Assurance
• 3 out of 5 stars for Decreasing Critical Illness
• 3 out of 5 stars for Level Term Critical Illness

When comparing Beagle Street to major competitors, we see a varied landscape. For Direct Life Assurance, Beagle Street’s 5-star rating matches top providers like Aviva and Legal & General. However, in categories like Level Term Life Assurance, while Beagle Street achieves a 3-star rating, companies like Aviva and Legal & General offer 5-star rated plans, indicating potentially more comprehensive features. Zurich also boasts 5-star ratings in several Critical Illness categories, where Beagle Street scores lower.

What do these ratings mean for you? If you are looking for straightforward, high-quality direct life insurance, Beagle Street is a strong contender with its 5-star rating. For other needs like decreasing or level term cover, while Beagle Street offers solid 3-star policies, exploring 5-star rated options from competitors might be beneficial if you prioritize the highest quality features and broader coverage.

Defaqto ratings